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This is a discussion on Late Fine wrongly charged by HSBC Card within the Credit Card forums, part of the Loan category; Dear Conern I am using HSBC Credit Card for the past 1.5 yrs and has always made payment on time. ...
Junior Member
Late Fine wrongly charged by HSBC Card Dear Conern
I am using HSBC Credit Card for the past 1.5 yrs and has always made payment on time. My due date every month is on 26th or 27th of every month. My payment of Rs 500 for the month of dec was done on 24th Dec 09 but as on 25th, 26th and 27th they had an holiday so the late fine has been added to my current month bill as the chq got cleared on 28th dec. I had called the customer service and spoke to Menakshi and she clearly infromed that i should have made payment a week before and the late fine cannot be revised as it has been correctly charged by the bank.
When bank says that they are giving a credit facility of 50days during this commitment they includes all the holidays including sundays, if the chq cannot be cleared on holiday that should not be my concern. Why they are calculating the due date which includes holiday?? If the bank cannot compensate these things than why should the customer be responsible for bank holidays.
It is a very clear message to the bank official that if the late fine is not reversed i will be forced to stop payment and you can keep on adding the late fine as much you want.
Pls look into the matter and revert.
Card Nos - *****************1125
Regards
Harjit Singh
Last edited by admin; 01-05-2010 at 07:00 PM. Reason: Card No. Removed
Administrator
Hello,
Kindly check the terms and conditions about payment procedure mentioned on your card statement.
If still have a question then feel free to contact us again.
Regards,
Admin,
** PMs asking me for support will be deleted unless I've asked you to PM me with additional details **
ICICI card minimised the card limit and charging overlimit Dear Sir,
I am having a ICICI bank credit card no:xxx xxxx xxxx 2007, with a creditlimit of 70,000/-.
I am using it for the last 3-4 years and with a routine payment as on every month.
Finally I had a outstanding of 55,000/- which i broke into EMI of Rs. 5400/- per month for a tenure of 12 months. after I paid a single EMI of 5400/- my credit limit has been minimised to 10,000/-.
Inspite of having 15,000 (70000-55000=15000) on my card as a available limit, in order to repay the outstanding at the earliest i broke it into emi, but the bank has minimised my limit to 10000/- and now they are charging the overlimit charges also.
I refused to make any payment hence forward, and lookingforward to a settlement.
A.Das
Newalipore, Kokata- 700053
Administrator
Hello,Originally Posted by Unregistered
We need some more information, kindly provide us your full contact details, complaint nos. registered with customer care.
Note: Do not mention your ATM/Debit/Credit Card/Account details.
Regards,
Admin,
** PMs asking me for support will be deleted unless I've asked you to PM me with additional details **
Senior Member
Dear Mr. Das,
We're sorry to hear about your experience.
Please write to us with your contact details and credit card number at care@icicibank.com (Subject line: UID 157094). We'll contact you and work towards addressing your issue.
Regards,
ICICI Customer Service Team.
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